People Making $180K Are Still Broke... Here's Why Ep.5 | First and Future Finance

 #PersonalFinance #WealthBuilding #LifestyleInflation

Can you really make $180,000 a year and still be broke?

In this episode of First & Future Finance, Dibbs and Liam discuss why higher income doesn't automatically create wealth. From lottery winners and lifestyle inflation to debt, car payments, wealth preservation, and the psychology of money, they break down what actually happens when people suddenly have access to more cash.

They also explore why income and wealth are not the same thing, how windfalls disappear, why car notes destroy buying power, the difference between scarcity and abundance mindsets, and how financial freedom is really about buying back your time.

If you've ever wondered why so many high earners still struggle financially, this episode is for you.

Topics Covered:

00:00 Starting the Day & Closing Deals

00:22 Wealth Preservation and Why High Earners Stay Broke

01:01 The $2.2 Million Lottery Winner

02:30 What Would You Do With Life-Changing Money?

03:58 Florida Real Estate, Boats, and Retirement Dreams

05:02 When a $400,000 House Is Considered "The Ghetto"

06:08 The Dollar Store Debate and Class Perceptions

08:24 Income vs Wealth: Why $1.6 Million Can Disappear

09:53 Lifestyle Inflation Is Real

11:01 How Money Changes Your Psychology

12:06 What Would You Do With an Extra $200,000?

14:14 One Decision Can Change Your Entire Life

15:36 Paying Off Debt and Buying Back Your Freedom

16:20 Why Car Payments Are Destroying Buying Power

18:50 From Police Officer Dreams to Real Estate

21:40 Learning Wealth Through Failure

23:28 How We Accidentally Ended Up In Finance

25:36 Why Real Estate Deals Usually Fall Apart

27:56 Will Social Security Run Out?

28:39 Is the Financial System Rigged?

30:04 Wealth Preservation and Being Ready for Opportunity

30:45 Scarcity vs Abundance Mindsets

32:20 Why Pressure Causes Bad Financial Decisions

34:18 Trading, IPOs, and the Gamification of Money

36:05 Bread, Circuses, and Golden Handcuffs

37:54 Money Can't Buy Happiness, But It Buys Time

39:56 State Taxes and Hidden Tax Differences

40:44 What the Tax Code Really Says

41:17 The Truth About the G-Wagon Tax Write-Off

44:14 The New Slingshot Tax Strategy 😂

45:16 Lawsuits, LLCs, and Asset Protection

46:34 Street Education vs College Education

47:04 Every Job We've Ever Had

48:18 Should First & Future Drop an Album?

49:00 The Shortest Jobs We've Ever Worked

50:24 Road to 1,000 Subscribers

51:18 Final Thoughts and Outro

🎙️ Subscribe to First & Future Finance for honest conversations about money, real estate, and building wealth without the fluff.

#PersonalFinance #WealthBuilding #LifestyleInflation #FinancialFreedom #RealEstateInvesting #MoneyMindset #DebtFreeJourney #FinancialLiteracy #FirstAndFutureFinance
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Transcript

SPEAKER_00 0:06

There we go. Starting it off with a CTC.

SPEAKER_02 0:11

Yep. Still might not close, but we're here. I'm gonna give him a call in a little bit. We gotta make sure that gets closed. Now I want to talk about wealth preservation today. Preservation. Preservation of wealth. Whether you got like a large chunk of money, or whether you got like a good job and you're earning 100k a year, 180k a year, because we see it all the time of people are earning a lot of money and they have no liquid assets, no assets at all, no hard assets. They just have debt that they pay on every month, like cars, mortgage, credit cards, somehow still. If I make 180k a year, I'm debt free. I don't know where that's coming from.

SPEAKER_00 0:59

Yeah, bro. You broke till you ain't. That's um the pretty much I saw uh that this lady in in northern Michigan won 2.2 million dollars.

SPEAKER_02 1:12

Yeah, that's crazy.

SPEAKER_00 1:14

She uh she elected to take the lump sum, so it's gonna get the shit taxed out of it.

SPEAKER_02 1:19

Isn't it like if I saw right $648 million? Yeah, give or take.

SPEAKER_00 1:24

Yeah, it's it's it's a lot. I I mean, Jesus, man. Like it's not it's not that it's worse than than taking the annuity, the the monthly installments. Yeah, but shit, man. Like, if I had $2.2 million or if somebody told me they was gonna give me $2.2 million, and I only ended up with $1.6. I mean, it's I'm happy. Was it $2.2 million or billion? Million.

SPEAKER_02 1:52

Million, okay.

SPEAKER_00 1:52

Yeah, yeah. It was one of the smaller lotto. So she had the smaller job.

SPEAKER_02 1:56

I'm thinking of a different one that with that 648. All right, continue. Oh, yeah, yeah.

SPEAKER_00 1:59

So she made 2.2 million. I think she has to pay $648,000 of it. So um she's only gonna end up with $1.6.

SPEAKER_02 2:07

Boohoo.

SPEAKER_00 2:08

Uh after after taxes. But um but yeah, man, like it got me to thinking, like just an urge. She spent two bucks, went to the went to the liquor store, yeah, and and you know, that was her lucky day. She got she got life-changing money, and what she does next with it is, you know, she's almost 70 years old. She's she's probably gonna, if she's working, she's probably gonna quit her job, yeah, and live on that 1.6.

SPEAKER_02 2:43

Get a little retirement home somewhere, get out of wherever. She's in Michigan, right? Yes, I'm gonna go. She's going to Florida.

SPEAKER_00 2:49

She said in the article she's going to buy a house, a car, and a boat. Oh, yeah, she's going to Florida for sure.

SPEAKER_02 2:56

Everyone here has a vacation home in Florida for some reason. Either got a lake house up north or a condo in Florida. One of the two.

SPEAKER_00 3:04

So, and condos in Florida aren't as expensive as I thought they would. I was looking in Orlando. No, I saw like some nice two bedrooms for like 200,000.

SPEAKER_02 3:14

That ain't bad. Are they near uh Universal or Disney or anything?

SPEAKER_00 3:17

Yeah, they're they're like the uh downtown Orlando, so they're like 30 minutes from uh from Universal Studios.

SPEAKER_02 3:23

That's Airbnb money right there. 200k to have a nice Airbnb, like a rotating Airbnb like that, man.

SPEAKER_00 3:28

I didn't look at the HOA, so don't like, you know, they're probably priced accordingly. Oh yeah. But yeah, like like getting something like that at 66 years old, go down to Florida, living in the sunshine. It's gonna rain every day, but it's gonna be hot. You know, I feel like that's good for your skin. Oh yeah. Uh she's gonna get, you know, she can't, you know what? She can't be in Central Florida. She's got a boat. Oh yeah.

SPEAKER_02 3:54

Unless she just wants to go on like a lagoon, a swamp.

SPEAKER_00 3:58

Yeah, she's gotta be somewhere close to the water, somewhere, somewhere with some Fort Lauderdale. Fort Lauderdale. So that's been a good one. Jacksonville's got uh pretty good proximity to the ocean. That's true. Yeah. And it's the real estate there is a lot more affordable than it's like.

SPEAKER_02 4:12

Nothing about Jacksonville.

SPEAKER_00 4:15

Somebody once told me uh, you know, they got they were selling in a neighborhood that was like three or four hundred thousand, but they didn't like going over there because of the crime. The Jacksonville crime? Is that like a known thing? I don't know anything about Jacksonville. You know, so that's like their slums.

SPEAKER_02 4:40

Oh, yeah. That's what was like that was one of the first things actually that you bring that up that like opened my mind to real estate a little bit. When I was in high school, um one of my teachers, I took a social justice class for English, right? And she was telling us, and I never even heard this, but apparently people in Birmingham, because you know they live in like kind of like a bubble, right? Yeah, um, they treated the houses that are you know, like where the KFC was on Woodward in Birmingham, like on Maple, not exactly or like Lincoln, but pretty much that area um on the what east side of Woodward in like Birmingham, three, four hundred thousand dollar houses, people were calling that the ghetto of Birmingham. What what world is there in ghetto where you're getting a $400,000 house?

SPEAKER_00 5:27

Okay, so now I think I'm familiar with the with the area now. Shore mortgage used to be over there, like right off of that street on the other side of literally right there, a little bit north of where I'm talking about. Yes, yeah, okay, I know exactly what you're talking about. Um that was considered the ghetto. There's million-dollar houses in there. Now, I mean, 15 years ago, those those houses were kind of dingy. It kind of looked like like old Ferndale.

SPEAKER_02 5:53

I was 10,000.

SPEAKER_00 5:54

Same houses that like they've they've rebuilt that area. It's come a long way. Yeah. Um, but but yeah, like I definitely understand the the reference, but it's still Birmingham.

SPEAKER_01 6:07

Yeah.

SPEAKER_00 6:08

And now those same people are fighting to keep the dollar store off of their corners. It's crazy, man. In this economy, let me get a dollar store near my house. There's there's too much riff raff that comes associated with the dollar store that we can't we can't allow around our children. That is more ridiculous. Jesus. Man, hey, like the the it's it's getting to a point where you know natural selection is gonna have to take its course. Like, I I can't I can't uh stomach having people you know prejudge based off of fantasy. Yeah, like what makes you believe that putting a dollar store in your neighborhood is going to bring crime and disease and danger to your kids?

SPEAKER_02 6:59

And why is there an implication that because people are poor, they're violent and committing crimes? Well, and why is that the thing? I mean, maybe there's a correlation. I'm not saying there isn't.

SPEAKER_00 7:08

It's a fantasy, bro.

SPEAKER_02 7:09

But but why would there be a parallel that like why is everyone making that parallel with no evidence? It's a ghost story. There probably is evidence if you look at the right things, but Bigfoot.

SPEAKER_00 7:18

Yeah. It's it's is hyperbole and myth. They've never seen with their eyes poor people committing crimes at the dollar store.

SPEAKER_02 7:28

They just assume. They assume that happens. And if they if you're committing crimes at a dollar store, you're probably just stealing from the dollar store. That's not hurting the community too much. That's hurting the dollar store.

SPEAKER_00 7:38

The dollar store that raised their prices above a dollar. So, you know, maybe they should change their name to the dollar quarter store.

SPEAKER_02 7:45

Two dollar store, man.

SPEAKER_00 7:46

The five dollar store. The maybe a dollar store. I went down, I went to the dollar tree. There's a dollar tree with my house.

SPEAKER_01 7:53

Yeah.

SPEAKER_00 7:53

And I went in there, and the whole aisle was like, this shit's not a dollar. Like you look to the left, it's like, oh, three bucks here, $325, $5. I'm like, where's the dollar stuff? Yeah. And it's all expired. Yeah, that's how it goes. At least in Birmingham, they might get a new, you know, they might get new candy at their dollar store. All our shit's expired.

SPEAKER_02 8:17

It won't stay out too long, yeah. Might run the CVS out of business that's over there. Just because composition being cheaper. I don't know.

SPEAKER_00 8:24

Well, yeah, like a millionaire. I wonder if that lady wants to open a dollar store, you know, near Birmingham and for her retirement. Like she's gonna take her 1.6 million. What do you do when you get that much money, man? Like you buy a slingshot.

SPEAKER_02 8:37

You know what I'm saying? But the first purchase you make is you buy a slingshot and you cut off everybody you know.

SPEAKER_00 8:41

You get something ridiculous. And and I think like her first purchase should be some more income if she's gonna quit working. But I mean, you could live off of $1.6 million, I feel, pretty comfortably.

SPEAKER_02 8:56

100%. You probably won't run through that unless you're doing some crazy stuff. But also, I feel like people confuse wealth for income. Like, yeah, she has a lot of money right now, she's very wealthy. If she quits her job and she doesn't get social security or anything like that, her income is zero. So she's only dwindling away at what she has. And like, let's say she lives till 96, she got another 30 years there. You can blow through 1.6 mil in 30 years if you if you're not paying attention, you're just swiping the card everywhere and you get some nice stuff. Like, she just wants a boat in a house, so she might be fine. But like, I could spend 1.0 in a weekend if you want, if you really gave me a challenge, I could.

SPEAKER_00 9:38

Well, $1.6 million. Yeah, I want that. Give me some. Swiping, swiping. And then one day it's all gone. Just yeah, you know, I worked for 30 years, and I now it's useless.

SPEAKER_02 9:53

How did it decline? That also goes to lifestyle inflation, too. People get a large sum of money and they think, like, oh, I can do whatever the fuck I want now. Do whatever I want.

SPEAKER_00 10:04

I mean, it's it's intoxicating. Oh, yeah. We we have commission jobs, and I'm guilty of it. You get a big commission, you go make a big purchase. I'm not responsible a hundred percent of the time. We can't be. I have extras. We're human. You know what I'm saying? Like when you have extras, you know, it's it's tough to stay disciplined. It's easy to stay disciplined when you know you're down to your last 40 bucks. Yeah. That stays in your wallet for two, three weeks. Oh, yeah. But if you got a thousand dollars, oh, we going, we getting hibachi. We getting uh uh Shout out Ichibond, sponsor us. You know what I'm saying? We we getting we getting Shake Shack. Oh yeah, we sponsor us. We eating out, we definitely hitting DoorDash once or twice.

SPEAKER_02 10:54

Oh yeah, and then I had to delete those apps off my phone after COVID. I'm like, I'm I don't even want this. It's breeding too many problems.

SPEAKER_00 11:01

No, man, it's something it's something that uh an abundance of money does to your psychology where good decisions when you have a lot of money are bad decisions when you don't. Yeah. And it's a weird thing to navigate because money gives you control too.

SPEAKER_02 11:21

Yeah, really, it gives you more control over your life, over other people, if you let it go there. It can create power, and that's where the whole money and power psychotomy comes in. But if you don't take a step back and check yourself and make sure you know what you're gonna do with that money and have a plan for it, it can be gone in a weekend.

SPEAKER_00 11:39

So, like what I know, I know you're you're buying match and sling shots for for us when we get the 1.6 million from 100% the the podcast.

SPEAKER_02 11:51

One with the top, one without it, so you can have one in the rain still.

SPEAKER_00 11:54

But like, I mean, like, I I definitely just like to imagine and go down the rabbit hole of what I would buy or what I would do with an exorbit amount of money. Yeah. Like, even if it was 200 grand. Yeah, you know, like what would you do with $200,000 falling in your lap?

SPEAKER_02 12:17

I mean you have to think of like everything that $2,000, $200,000 can get you first. And again, this is how quickly it can go. Let's say I want to go get a car. You can you can maybe almost buy a Lamborghini, a used Lamborghini, whole thing's gone. So you have to think about stuff like that. Is it gonna be one big purchase or is it gonna be a bunch of purchases? But even so, let's say you buy a $40,000 car that's a couple years old just to have something a little bit newer, and then you put a little bit of a Nest egg together, you put some in investments, you're 60k in already, right? You get debt-free, you're 90K now if you got 30, 40k in debt, right? Yeah, so that's half your money gone right there, just from you making slight lifestyle improvements. That's not even you bawling out, that goes back to our 75k conversation, it's not a lot of money. Like that half your money's gone right now, and you're just trying to elevate your lifestyle a little bit. You still got insurance to pay for on that car. You're not just paying that off. You still got let's say you got 100k left over. Now you're finding your niche, probably. I'm sp I'm buying a lot of music equipment personally. Um, I I'm gonna set up podcast stuff. I might get a studio, who's to say? But even so, let's say you put that down, payment on some real estate now. Yeah, that's 25% gone if you're buying an investment property, DSCR. So that's another probably 50k. So in a weekend, by just elevating your lifestyle and buying the property, even let's say your own property, if you're putting that 25% down, you've already spent 75% of your money. At 200k, we sounds like a lot, you get that done in a week.

SPEAKER_00 13:54

Yeah, how how much are those slingshots renting?

SPEAKER_02 13:57

That's I want to say about 40k.

SPEAKER_00 13:59

40k.

SPEAKER_02 13:59

Give or take.

SPEAKER_00 14:00

So you got two of them. That's half your money going right there. Yeah, it's 80k. Then you got insurance on those. No, but I mean like improvements. Like 200k would probably change the trajectory of somebody's life. Like, that's that's a real fire starter for you to be like, okay, I'm getting out of debt. Yep, I'm going to do this. Like, you can just decide at that point what you're going to do next.

SPEAKER_02 14:26

Only if you play your cards right, though. I mean, you can make that decision enough, but I could decide I'm going to the casino and putting the whole thing on black, and then I lost all of it, and now I'm back to zero.

SPEAKER_00 14:35

It's like you win and you're up 400k. That's it.

SPEAKER_02 14:38

And you will never feel that high again either. That's going to be the greatest high you've ever felt in your life.

SPEAKER_00 14:44

Oh, man. But I like, I like, I like the idea of, you know, everybody has had that dream or had that daydream where they're walking down the street and they see that brown paper bag and it's just full of hundred dollar bills.

SPEAKER_02 14:59

Untaxable, untraceable.

SPEAKER_00 15:01

Do you turn it in or do you keep it for yourself? Yep. Like the briefcase full of money. Somebody just slides across the table, like, hey, the email is the Prince of Nigeria really gonna give you, you know, two million rubles.

SPEAKER_02 15:18

Yeah, just if you front him a little bit.

SPEAKER_00 15:20

To send an email off for him.

SPEAKER_02 15:22

Save his country.

SPEAKER_00 15:23

Send those gift cards. Like, if those things became true tomorrow.

SPEAKER_02 15:28

Yeah.

SPEAKER_00 15:30

I think I'd have the best day ever.

SPEAKER_02 15:33

Yeah. It'd be a great day.

SPEAKER_00 15:36

You know what I'm saying? Like somebody starting from scratch. I know a lot of people are, you know, hustling to pay their car note, pay their insurance. You get rid of the car note and it lowers the insurance because you own it free and clear now.

SPEAKER_01 15:49

There's no lien holder.

SPEAKER_00 15:50

Yep. Right? Now you can now you can afford to put some money in that SpaceX bubble that's this uh bursting in a couple weeks. Yep. Now you can uh you know take some time off work, explore other careers, vacation, get a break, get a real proper vacation, and not like a vacation where it's like, oh, if I take a week off work, I gotta catch up on my bills.

SPEAKER_02 16:15

Like, no, you're you're gone. You're new, you have no bills.

SPEAKER_00 16:18

Yeah, you might have them, but they're paid for. Yeah, and I and I think people underestimate that opportunity to get rid of certain bills. Yeah, car notes right now, we see it every day. Car notes are fucking killing. Like you're you're buying power.

SPEAKER_02 16:35

I've never had a car note intentionally. I've always bought older cars, just paid them off, kept my insurance down. Oh I've I've never wanted a car note, I knew it was gonna kill me.

SPEAKER_00 16:43

Man, no, no. So so I've had some cars. I've I've lived this strife so that you don't have to. Um talk to me about it. Now, when I was younger, you could buy a car off the side of the road. You go up and down Grashit, you could get it uh an Intrepid, uh Mercury, uh Sable, a Pontiac, a Pontiac. Yeah, those the the G6s were real popular. Like you could get these cars for like two, three thousand dollars off the side of the street. Somebody had the title in their hand, they signed it over to you. You took it to the mechanic, he made sure the brakes were working. Yeah, a little tune-up. Yeah, but you could buy a car off the off off your friend for a couple grand. Now, a used car is fifty thousand dollars.

SPEAKER_02 17:34

Uh, if you want a car for two thousand dollars now off Facebook, let's say, it's it might run and drive, it probably will for two grand. It'll run and drive. Oh, you gotta fix something out though. Oh my buddy got a truck for twelve hundred dollars, no power steering. Everything else was fine, but you didn't have power steering. No, that's a twelve hundred dollar truck. Like you're saying, there your cars you would have got 10 years ago for two grand, there was no problems with it. It it probably wasted years, it needed an oil change, it needed some brakes, it might need some tires.

SPEAKER_00 18:04

Bro, I traded so my first three cars were paid for all in cash. I think my first insurance quote that I got from AAA was like 40 bucks a month. It was something ridiculous.

SPEAKER_02 18:15

I pay triple that now, and I have a perfect record.

SPEAKER_00 18:18

So I didn't have any record, like my driving record. I remember one time uh a cop pulled me over and he's like, There's nothing on here. Like, I'm gonna let you go. You keep you keep driving good. I'm like, I appreciate it. The next time I got pulled over, they they weren't so nice. But yeah, it was like uh uh I applied for the police academy, and the same thing happened. They printed my driver's record out, and it just like it was a white piece of paper, and it just said end of report.

SPEAKER_02 18:49

I didn't know you were gonna be a cop. Yeah. What trajectories have you been on lately? So before you got the real estate.

SPEAKER_00 18:57

Now listen, I I was going to be a police officer. I wrote a paper in the third grade. That's what I wanted to do all through all through school.

SPEAKER_02 19:07

Yeah.

SPEAKER_00 19:08

I said when I graduated, I was gonna be a police officer.

SPEAKER_02 19:11

Okay.

SPEAKER_00 19:12

First semester of college, I found out that senators and congressmen could inside or trade without getting in trouble. So you want to become a senator? Then I wanted to be a senator. So so the entire trajectory changed. I started researching, like who were, you know, who were the black senators in office. Um, there were none at the time. Yeah. I started researching, all right, who are the who are the black people in uh the House of Representatives? They had all been there for like 30, 40 years. Yep. Found Tim Scott, owned uh uh an insurance company and uh and a real estate company. I was like, okay, I'm gonna do that. Yeah, that's money. That's money right there.

SPEAKER_02 19:54

I can do that. You could be like uh Eric Adams, you know, something like that. I don't know if he's done a lot of he's Albanian now. See that?

SPEAKER_00 20:02

Yeah, it's uh uh man, it's some stuff you can't say in mixed company, but I'm gonna look so uh but listen, it's it's like uh the the trajectory was I was gonna be a cop, and you know my wife's like, no, you're not doing that. Too dangerous. Find something else. Yeah, um, I was living out my dreams, but I didn't have the responsibility of a car payment, a huge insurance payment. Yep. My two-bedroom apartment was only $690 uh a month. Then I was splitting that with somebody. That's crazy.

SPEAKER_02 20:45

That's so crazy.

SPEAKER_00 20:46

It was it, you know, it was just a different time then.

SPEAKER_02 20:48

Yeah, for sure.

SPEAKER_00 20:49

So if I got a windfall like that back then, we wouldn't know each other. I definitely would be retired. I had so many opportunities to retire with this imaginary money.

SPEAKER_01 21:00

Yeah, 100%.

SPEAKER_00 21:02

But but I like I like things like that. I like going down that rabbit hole. That's that's that's fun for me.

SPEAKER_02 21:08

Okay, yeah. Just like imagining what you can do with that amount of money, pretty much, or the different paths you could have been on as well. Oh, yeah. I think about it all the time. I was gonna quit two weeks into starting this job. We never would have met. I never would have been working on my album, I never would have met you doing this. Whole trajectory of my life could have changed.

SPEAKER_00 21:26

Bro, if I would have gone to the NFL, who knows?

SPEAKER_02 21:29

Oh, yeah.

SPEAKER_00 21:30

Who knows, man?

SPEAKER_02 21:31

I do you think you'd be like financially literate still if you were in the NFL? Do you think it'd be yeah? No, if you they get held on their contract.

SPEAKER_00 21:39

This is the thing. So it is and and this is the the funny part about it is I learned all these things through failure. Yeah. Like living it it living through jacking my credit up, building it back, living through uh moving every time I felt like they were raising. Raising my rent, which in hindsight was a horrible decision. Like, I moved from the 690 apartment because they raised my rent to 700. Ended up going to another uh two-bedroom apartment just as nice, but still ended up paying $720 because I was on the third floor.

SPEAKER_02 22:22

So I did you leave like you left before finding a new spot? Just being like off principle. Off principle. And then you had to pay an extra 20 bucks.

SPEAKER_00 22:28

And then I had to extra pay an extra 20 bucks, bro, because I got like amenities and stuff.

SPEAKER_02 22:32

Like, so have you gotten all your security deposits back from places you've rented at? No. I've never gotten one back ever.

SPEAKER_00 22:38

No, no. I've I've gotten some back, but usually I leave it there and allow them to take it for the last month of the rent.

SPEAKER_02 22:45

All right, yeah.

SPEAKER_00 22:52

Um, but yeah, man, like like moving around gave me the experience for like when I started in real estate. Yeah, I already knew all the inventory from from moving every two years.

SPEAKER_02 23:06

Yeah, the types of spots you could be in. Yeah.

SPEAKER_00 23:08

Exactly. I was like, oh, okay, y'all need the lease over here. I know, I know exactly where we're going. We're going over in this subdivision. They got X, they got this, they got a uh community house. I knew all the features.

SPEAKER_01 23:20

Yeah.

SPEAKER_00 23:20

Um, and and like I said, that that kind of was just a skill set that got stacked from experience. Right. Like I never set out to be a real estate agent. It just kind of happened. It just kind of happened because that was the skill set that that I had, and I was watching World Star Hip Hop, and you know, one thing led to another. But I never meant to be here as a as a mortgage broker.

SPEAKER_02 23:47

I fell into this. I had no plan to try, like I got my degree of finance, and then I was like, Oh, I gotta figure something out. Yeah, and I I didn't even really try. I just I met someone, and then they're like, hey, try this. I'm like, all right, and then here we are.

SPEAKER_00 24:00

Yep, somebody told me no. Yeah, they were like, I'm not doing that, and I'm like, why not? And like, you know, they wouldn't, they wouldn't give me a real reason. I found out the reason was it wasn't enough money in it. Yeah, they weren't doing it because the the juice wasn't worth the squeeze.

SPEAKER_02 24:14

Yeah.

SPEAKER_00 24:15

Um that happens. Yeah, but I ended up getting my license. Somebody gave me a shot before I had a license. It was like, yeah, you just come work with us. Yeah, give it a shot. Got my license. Um, and you know, I'm really good at the numbers. I was always good at math. You know, I can I can do the numbers in my head, figure stuff out pretty quickly, put it all together and make it make sense to somebody that doesn't know any better.

SPEAKER_02 24:41

Yeah, that's the biggest thing with I think I think our industry and being a realtor is not just you can know everything front and back. If you can't explain it to someone and tell them why it makes sense, you're no better than any other realtor. You know? And there's a lot of bad realtors, like we were talking about. My uh purchase I'm working on right now, the selling agent has not spoken to me once, except the times where there were problems that affected her. Um I feel like with you, I mean, do you reach out? When you were, I mean, you didn't really do a lot of sales like on the selling side, but like did you or buyers side? No, you were more of a seller agent, weren't you?

SPEAKER_00 25:14

So I started out leasing.

SPEAKER_02 25:17

Right.

SPEAKER_00 25:18

Then I started, you know, I grew with my clients.

SPEAKER_02 25:21

Yeah.

SPEAKER_00 25:22

So I started out leasing the people. When those people were ready to buy, they came back to me. Okay. Then when those people were ready to sell, that's when I moved my business over to I'm listings only, I refer out all my buyers.

SPEAKER_02 25:36

So when you were a seller's agent, how much were you talking to the loan officers or the agents on like were you like reaching out to just be like, hey, everything going good? Are we checking in? Like everything's on course? Or was it just more of like a yo, what's going on with this appraisal? When's this happening? When's this happening? Like, what kind of stuff?

SPEAKER_00 25:51

No, I was never that asshole that that called like to make sure people were doing their job. Yeah, I was the person that was like, hey, you know, this usually takes like two weeks. Has the appraisal been ordered? And that usually tells me everything else that I need to know.

SPEAKER_02 26:08

Yeah, how on top of it they're gonna be, what stage of the process we're in, right?

SPEAKER_00 26:11

Yeah, I never I never told anybody how to do their job, but I would ask them for you know milestone updates. Like, hey, uh we turned that contract in, you know, two weeks ago. Has you know, has the appraisal been paid for? Is a more direct question that somebody can ask. Because I because of the experiences that I have, I know the only delays once you get past a certain point are usually money related. Right, okay. If you're dealing with a purchase and it's taking too long, somebody doesn't have the money. Either the lender's not getting paid or the borrower, the buyer, uh hasn't paid for something.

SPEAKER_02 26:51

Right.

SPEAKER_00 26:51

Or they might not have the down payment money or EMD's not turned in, uh, appraisal's not paid for, uh cost of the rate went up, nobody's disclosed it yet. Like this, it's usually something money related. Waiting to lock the rate, whatever it is. Yep. Yep. So I try to get everything done within 14 days. Like, hey, you give me a signed agreement, it's getting turned in that day, it's going to underwriting by the next morning. Yep. We're ordering the appraisal because I already pulled their credit card. And as soon as the appraisal comes back, guess what? We only got to wait seven days legally. I've been doing this purchase since April. Is the problem money related?

SPEAKER_02 27:34

Yes. One of the problems has been money related.

SPEAKER_00 27:38

Well, there we go. In a nutshell, like I said, I've been there's not a lot of situations I haven't been in on the listing side or on the selling side. Right. Um, but yeah, my process is just to ask what's going on and when can we expect it to be fixed?

SPEAKER_02 27:53

Yeah, that makes sense. I like that. Speaking of problems, uh, Social Security is allegedly running out in six years, right? See, and isn't that an early estimate too? Like, wasn't it supposed to be like 2035? And then it was like, oh wait, actually, we're we're on track for this.

SPEAKER_00 28:10

You know what? It was, it was, I've been hearing about Social Security running out my entire working life. Yeah. So I've always been preparing to not have it. Yeah. So it's like, you know, do I they're gonna they're gonna make me contribute to it from uh from my taxes and and from work checks? I ain't gonna get shit when it's not. I'm not gonna get anything. So it's like, let me make sure I'm good everywhere else, and that'll be a nice little bonus.

SPEAKER_02 28:42

Do you think, do you think, and I'm going to a point with this, do you think the game of money is rigged against us as like this the normal working guy that's trying to build their way out into wealth? Do you think it's absolutely all right? Yeah. Yeah. Do you think that should be a reason? And this is my point, is like, do you think that should be a feel sorry for yourself, you're fucked, the game's against you, or do you think that's more of like a I gotta hustle harder, I gotta think strategically, I gotta be ahead of the curve, you gotta find your path, kinda.

SPEAKER_00 29:14

More so the latter, the the find your path. Okay. You have to be comfortable with the cars that you're dealt with. Yeah. Right? It's not always fair. It's not, it's not, you know, that I'm saying everybody's circumstance is the same, or we're all on an equal playing field. Not at all. But it is what it is. Yeah, you just gotta take it. Like what so if you're not gonna do anything about it, the best solution you can come up with is to complain. Like, what are you going to do? Yeah. And then just decide to do that. If it's complain, go ahead and complain. That's fine. But but don't expect other people to be down there with you. Yep.

SPEAKER_02 30:04

In that space. That even circles back to what we're talking about with wealth preservation and like building for yourself of like whether you get a sum of money out of nowhere, like at the lottery, or whether you build it up or you have a great year as a realtor or whatever it is, like if you don't play your cards right, even if you get that opportunity, it can slip by you and like what, you're still gonna complain? But you don't know when it's gonna happen, you know.

SPEAKER_00 30:27

So you prepare yourself and be ready for it when it does happen. I like I said, we we've talked about this before, where I operate in a mindset of abundance. Yeah, the business is going to come to me. Yep. I'm going to find it or it's going to find me.

SPEAKER_01 30:41

Yeah.

SPEAKER_00 30:42

So all I can do is prepare myself for when it comes.

SPEAKER_02 30:45

I operate very scarce of like, you don't know when you're gonna get something, and like whether it be business or money, whatever it is, to where like when it does come, enjoy it, like ball out because you got it. But when you don't know when it's coming next, you gotta run a tight ship, you gotta be on top of it. And like, I think there's benefits to both because I think when you're a really abundant thinker financially, the sky's the limit, and you're like, I'm gonna go get all the cool stuff, I'm gonna invest risk uh heavy, I'm gonna figure out everything I can do with it. But also when you're scarce, I feel like that's when you can really learn how to organize, how to budget, how to diversify. I feel like you can't diversify. I feel like the person who thinks more scarce is gonna diversify better than the person who thinks in abundance. They're gonna throw money at stuff and it might hit and it might make more money, but in terms of like a true diversified portfolio, I feel like you think better about it when it's like, I'm gonna put 50 bucks aside here and 50 bucks aside here and build slowly here. You know what I mean? Like building your system out.

SPEAKER_00 31:43

It's I hear what you're saying. I I think I think that mindset when you think that way, I think it's uh like your your definition of abundance almost seems reckless.

SPEAKER_02 32:01

I think it gives you the option to be reckless.

SPEAKER_00 32:04

Okay, and I think it gives you just options. Alright. Okay. We you don't have to agree with me on this.

SPEAKER_02 32:12

I see what you mean though.

SPEAKER_00 32:12

Yeah, so my my my feeling is I don't think people make good decisions under pressure.

SPEAKER_01 32:19

Yeah.

SPEAKER_00 32:20

And pressure comes when you're in a situation that you're unfamiliar with. Okay. So when you have operated, whether you're operating in abundance or operating in scarcity, when you're dealing with like a windfall of money or some something is changing your monetary situation, that's pressure. Yeah. And it's good pressure, but it's still pressure. It's pressure. But I think if if you don't have a plan already built out or a system that you're working, then you can make a bad decision. I like to build filters before that moment comes. Yeah, so if I ever got $2.2 million, I already know what I'm doing with it.

SPEAKER_02 33:07

Yeah. Exactly where it's going, how it's being diversified, the type of investments you want to be in. Yeah, the investments you don't want to be over-diversified in.

SPEAKER_00 33:16

I know how much the slingshots are. You know what I'm saying? Like, hey, babe, we got 2.2 million. I'm about to go get these slingshots that I was talking about. Like this. And we're still fine. We got I already know. Like, so it's not pressure if you you know, if you prepare for it.

SPEAKER_02 33:32

Yeah, 100%. Because I know you're you're saying your wife wants to have like 120k just sitting in a checking account, right? Just ready to spend. But it's like, I'd rather have the money in the slingshots or the money in gold, silver, yeah, maybe not crypto, right?

SPEAKER_00 33:47

Yeah, like like when we get to a point to where the interest pays for all of that, like you can make $120,000 off of you know the uh your capital gains for the SP 500. Or, you know, when your space shack your SpaceX RSUs mature. Yeah, it's gonna be a lot of lot of uh transactions going on when they allow to sell those. Oh, yeah.

SPEAKER_02 34:19

We're probably we're gonna see one of the highest volume trading days in a very long time when that happens. Ever. Yeah, probably ever. They're gonna we're gonna set records. Oh, yeah, because there's no minimums now to liquidate. There's no minimum on the the PDT is gone. We're never gonna see a higher volume trading day until the next IPO happens that Elon creates, whatever. It's Neurolink. It's this until Neuralink.

SPEAKER_00 34:42

Bro, I'm I'm that scares me at the same time that I'm excited for it. Neuralink? The the PDT going away. Yeah. Like, there's so many like gamified apps. You got Robinhood, you got Weebull, you got even Coinbase, not Coinbase, uh Poly Market, Calci, Calci. Um we should get affiliate links for all of those. Yes, we should sponsor us. But like the gamification of the economy is is really like really Hunger Games-esque. Yep. You you like you see where it's going, like, okay, yeah, that was a cool movie, but why why does it why is it really imitating life right now?

SPEAKER_02 35:34

Like we're a little too close, or like Black Mirror episodes. That's a little too close to home right now. Oh do you think the gamification of everything is intentional though? Because I feel like that allows that makes people be more reckless because it feels like a video game.

SPEAKER_00 35:49

Yeah, I I can't I can't see how it's not. I I really I truly don't understand how it isn't on purpose.

SPEAKER_02 35:57

We've had our bread and circus conversation. Yes, not not on here. I don't know if I want to talk about that on here yet, but I feel like the gamification of everything comes with bread and circus of like it's easier to as a country, as a leader, even as a company, if everything is bread and circus to the people under it, it's easier to guide, it's easier to control, it's easier to manage. So, like I don't know. There's no wrong, I can go on that. But I don't know.

SPEAKER_00 36:28

That's not wrong. That is not wrong. I I just I because I see it every day. People go in and my therapist called them golden handcuffs. Okay. When I was a production operator, I've had a lot of jobs. Yeah, I've had a lot of jobs. I've been focused in finance for the last 15 years, but um when I was when I was working, I learned a lot of lessons, and and one thing that my therapist was telling me was something called golden handcuffs. Yeah, where you're going to work, it's not fulfilling you. Right? You you you you you damn near hate this place, but it it's paying you well, usually. Not even no, no, no. So that's the that's the trap. Okay, that's the trap. Psychologically, yes, you're being paid well. But when it's costing you, you know, your time, your health, uh different forms of currency. Different forms of currency. You're losing everywhere else in your life. Yep. But you're getting good paper, but you got good money and you don't want to leave that. Yep. I've made more money since leaving that environment than I did in it.

SPEAKER_02 37:48

And that's also again on wealth preservation, on getting a lot of money at once, let's say two million dollars. Like the biggest thing that lady's buying back, and what I would buy back, is your time because that's another form of currency and your health. You can go to better doctors, you can live in better spaces, live in the blue zones, you know. Um, people who think money is the end goal will never find what they're actually looking for. You know what I mean? Yeah, like I could get $10 million in my account right now. If I'm paralyzed from the waist down, or if I'm bedridden, what am I gonna do?

SPEAKER_00 38:23

Buy new legs. Yeah.

SPEAKER_02 38:25

Neuralink legs.

SPEAKER_00 38:27

Is that bad to say? Tesla robot legs. I'm pretty sure I'm pretty sure you get new legs at this point with $10 million. I think I think there's there's technology out there. Um who's the the PS guy? Uh I forgot his name. I don't even know. I forgot his name. He was an Olympic sprinter. He had no legs.

SPEAKER_02 38:51

Oh, Oscar or something. Yeah. Didn't he like do some bad stuff after the Olympics?

SPEAKER_00 38:58

Yeah, yeah. Shot through a door from Oh, yeah, he did do that. I don't know if he had his legs on or not, but I don't know. I imagine that in my head, like his story didn't add up. He was, he was, he was, said he was asleep, thought he was alone in the house, wandered over, grabbed his shotgun, and I'm like, wait.

SPEAKER_02 39:21

Did you grab your legs too? You know, put those on. Do you sleep with them on?

SPEAKER_00 39:25

Like you either sleeping with them on, or like you, you were at the door two feet high. Aim the shotgun up. Like, how do you leverage that?

SPEAKER_02 39:37

Oh, yeah. How did you do that?

SPEAKER_00 39:40

How did you do that?

SPEAKER_02 39:42

He's gotta be practicing, right? Like this core strength must be insane then.

SPEAKER_00 39:47

Oh my god. I don't understand, you know.

SPEAKER_02 39:51

Not at all. I don't even know.

SPEAKER_00 39:54

What else happened today?

SPEAKER_02 39:56

What did happen today? We were talking about inheritance tax and uh really just the tax code in general. I didn't know taxes differed by state so much.

SPEAKER_00 40:03

Oh, yeah.

SPEAKER_02 40:04

I knew property tax, and like that makes sense, but like income, inheritance, um city tax, like we're saying. Every all taxes are different state by state.

SPEAKER_00 40:14

So I file taxes for for my clients. Um you do that too?

SPEAKER_02 40:18

What don't you do, bro? So you opened business number 15 this week, too.

SPEAKER_00 40:23

I did, I did. Did you see my new website? Go to darrelldibs.com.

SPEAKER_02 40:26

It's a good website, it looks pretty solid. And you can click on the podcast from the website.

SPEAKER_00 40:30

Yes, you can. You can subscribe right there. We're on Spotify, Apple Music, and YouTube. Um so we so in my time as a tax preparer, I saw like you you have the federal tax. Everybody has to file taxes.

SPEAKER_01 40:44

Yeah.

SPEAKER_00 40:45

I would sit there and and read the actual tax code from the IRS website. Okay. I got the the they have a long PDF. Um, I've gone through, I've taught classes on this about the actual, like, where do your credits and uh tax responsibilities come from?

SPEAKER_02 41:06

Okay. I don't know anything about the tax code, is the one thing I really haven't looked into too much. I know the basic stuff. Like the ooh, buy a G-Wagon because 5,000 pounds, you can write it off as a business vehicle.

SPEAKER_00 41:17

Bro, do you tell you want to tell talk about how pissed off I was when when that craze swept Instagram? Is it not true? It's not that it's not true, it's that most people do not qualify for that or have the money. You have to go buy a D-Wagon cash.

SPEAKER_02 41:34

So do you have people making like 50k a year on their business coming to you like, hey, so what do I do about this free G-Wagon? Because I get that money back, right?

SPEAKER_00 41:42

Yeah, yeah. That's and that's exactly what they say. They say I went and bought a G-Wagon. I'm like, well, where's the receipt? Where's your pink slip? Where's your where's your order ticket? What's what's that? No, no, I didn't what? No, I pay uh I pay $1,100 a month. I was like, you what? How do you how did you buy the G-Wagon and you make payments on it? But you won't write off the whole thing. No, you you got a loan. That's debt. You're not writing that off. You're not writing off your debt. Nope. You're writing off what you purchased to reduce your tax responsibility. So if you part if you bought a $100,000 vehicle, cash, yeah, you bought a hundred thousand dollar uh vehicle for your business, then I can take a hundred thousand dollars off of your income. How much did you make? $80,000. I mean, I made $63,000 last year. Wait a minute. Like, so so it's like, you know, it and it, you know, it's not their fault. Right. It's not their fault. It's on us as the as the as the experts to get in front of people and and let them know what's what.

SPEAKER_02 42:53

Yeah, and also how many of those people that came to you about that and talked to you actually use that vehicle for business 50% of the time or more?

SPEAKER_00 43:00

No. Yeah, none of them. No, no, they spreading lines. And I and I and I hate to do it. Like, it's like when I when I file for people, I always explain to them what's going on, what we did, how we got here, what this is. Yeah, some people choose to listen to it, others are like, how much am I getting back? Yeah, and they don't care what you did in between, they just want the money. So when a question like that comes up, and you see the it's like, hey, you made 63,000, you wrote off a hundred grand. This is not looking good. I'm not putting my name on this. This is gonna be self prepared by you. I'm not taking your mistakes. Yeah, I'm not, I'm not, I'm not gonna do this for you. Oh man, go ahead and file it, man. Look, you can file it. I'm gonna send you the return. I'm gonna prepare it. Like you said, you wanted it, and you can mail this off. They don't mail it off. They end up getting a letter from the IRS, U O X, Y, and Z. So and it ends up being my fault.

SPEAKER_02 44:07

So we need to start like spreading another trend like that, I think, and creating like a false uh rumor in the finance community. So if you buy four slingshots, because they're 1,600 pounds each, and then we hit that $5,000 or 5,000 pound curb weight. Oh man, can we write off all of those combined as one vehicle? You know what? All right, cool. That's what we'll do.

SPEAKER_00 44:33

That's what I'm doing now. Five slingshots for 100K.

SPEAKER_02 44:38

Yep.

SPEAKER_00 44:39

For 100K tax credit. Oh, yeah.

SPEAKER_02 44:41

They're about $25,000 to $40,000 each. I just like it.

SPEAKER_00 44:44

Polaris is gonna write you a check for this. Yes, they are. It's gonna come right out of the company, uh, right out of company till.

SPEAKER_02 44:51

Oh, if their sales go up this quarter, I want my piece. I need my piece for that.

SPEAKER_00 44:56

Oh man, Polaris is cutting checks. We're gonna do uh oh man, what is that called? Um the little the little dunk booths. Oh we're gonna have the CEO in there. Yeah. He's gonna he's gonna write you a big check all the time. I mean, but look, this is a this is the finance industry. People are always gonna get sued because there's money to be had. You know who's dumb is the people that uh the people that sued uh Donald Trump. Which time? The the most recent one. They filed a lawsuit for him f making money off of the White House. Okay, okay, I didn't even see this one.

SPEAKER_02 45:34

Nah.

SPEAKER_00 45:35

So yeah, this is this is a new this is gonna get thrown out. But he was gonna have a UFC event at the White House that may be that may be canceled now. Okay. Because of this lawsuit. So typically when you sue somebody, you're claiming damages or you know, some money that was collected that you're owed a piece of. Right. If you sue and it cancels the event that you were claiming you were being damaged for, your lawsuit goes away. There are no damages if the event never happens.

SPEAKER_02 46:08

There's nothing to sue.

SPEAKER_00 46:09

There's nothing to sue for.

SPEAKER_02 46:11

It's like when you're on uh your LLCs, that's why you split up LLCs with the houses, because if you're my tenant and you live in a house that's occupied by an LLC, and that LLC is just an operations company, doesn't own anything, and you sue it. What are you suing? There's nothing there. It's nothing there. Yep. And people like don't understand like the managing of their assets. That goes, I'm on a whole different rant from that, but that's just a management asset thing.

SPEAKER_00 46:34

It's so deep. It's so deep the levels of business, the loopholes that that you went to school for, man, and I had to learn out here on the streets. You gotta you got a proper education on this, and I had to come up uh one legal zoom page at a time.

SPEAKER_02 46:53

See, I didn't even look at those. I just got told in the classroom, and then I watched YouTube videos, and that was I watch stuff like this, and that's where my finance education came from. American education, man.

SPEAKER_00 47:03

Gotta love it.

SPEAKER_02 47:04

Gotta love it.

SPEAKER_00 47:05

We're not specialized in anything. So far, I've been a janitor, uh, a tax preparer, a production operator, uh a police officer. Yep. Real estate agent, mortgage pro.

SPEAKER_02 47:19

Uh mortgage pro, not broker, professional.

SPEAKER_00 47:24

Mortgage professional. Um man, am I missing something? Oh, uh fast food worker. Okay. Yep. Uh been a financial analyst uh for a pharmaceutical company.

SPEAKER_02 47:40

Are we counting your businesses that you own too now?

SPEAKER_00 47:42

If you want to count yourself not just as entrepreneur, my businesses, these were just jobs that I've had.

SPEAKER_02 47:48

Now we're counting landlord, we're counting business owner, just entrepreneur as a whole, website designer, producer, marketer.

SPEAKER_00 47:58

Oh man. Oh, I forgot. I forgot about uh my my singing career.

SPEAKER_02 48:03

Oh, yeah. You were uh did you make your own beats too? I did. So you're a producer in that sense as well, and a producer on this.

SPEAKER_00 48:09

Yeah, I was a producer and an RB artist.

SPEAKER_02 48:12

Yeah, bro.

SPEAKER_00 48:12

A writer.

SPEAKER_02 48:13

Dib's got some heat. Y'all don't even know about it. Like, yeah, he's played. Dib's has some heat.

SPEAKER_00 48:17

Oh man.

SPEAKER_02 48:18

There's some talent. We should drop a first to future album at some point, like a little EP, maybe.

SPEAKER_00 48:22

Oh, that's so nice. Little five-song snippet. We gotta get in the in the stoop. We're already in the stoop. We're in the stoop, right? There's mics right here.

SPEAKER_02 48:29

And I have a beat machine right here.

SPEAKER_00 48:32

Good mics, too. Like, shout out to uh interest-only studios. Not for real. They're hooking it up. Oh man. Man. What did we miss?

SPEAKER_02 48:44

Uh I think I talked about everything I want to talk about. Um, you've had way more jobs than me. That's really all I was about to get to. Is I've had three jobs really. I worked at the pizza place, I worked at a dealership, and here we are. Bro, that's all I've done.

SPEAKER_00 49:00

Shortest term job you've had.

SPEAKER_02 49:02

Shortest term?

SPEAKER_00 49:03

Yeah.

SPEAKER_02 49:06

Six months.

SPEAKER_00 49:07

Six months.

SPEAKER_02 49:08

Yeah.

SPEAKER_00 49:08

I've had two jobs for two days.

SPEAKER_02 49:10

That's crazy. I never had.

SPEAKER_00 49:12

When you said it, I was just thinking about it. I was like, I got fired from Walmart uh for falling asleep in the orientation. Fair. Um I don't blame you for falling asleep though. It's Walmart. Bro, we were watching a video about how to mop. And I I I just finished a midnight shift at McDonald's. I could keep my eyes open. And this is after you were a janitor? No, this is before.

SPEAKER_02 49:36

Okay, I was gonna say, if they're making you as a person who was a janitor, learn how to be a janitor.

SPEAKER_00 49:40

Yeah, this was before I was a janitor. Um uh uh, and then the second job I had, my my boy got me a job at Olga's Olga's kitchen. And I worked there, I got a free uh center snack the first day. Ooh, can we have Olga sponsor us?

SPEAKER_02 49:56

Their snackers are crazy. Man, can we get free snackers, Olga?

SPEAKER_00 50:00

I went in there, I worked my shift, I went home, I was supposed to work the next day, slept right through it. Now, this is while I was a janitor. So I worked the janitor job at night. Then I tried to go to Olga's during the day to get tips. Okay, I like it. Didn't work out, didn't last long at all.

SPEAKER_02 50:17

Oh no, I couldn't last long at August, bro. I'd be eating everything and they would just fire me.

SPEAKER_00 50:22

Yep. Yeah, but yeah.

SPEAKER_02 50:24

Yeah. I think that that covers it for today, though. I mean, listen to us on Apple, Spotify now, YouTube still for sure. That's the main one. Yes. Uh, we're trying to go to the Rocket event in um September.

SPEAKER_00 50:38

Oh, bro, it's the last one. Oh no, the Rocket event. I thought you were talking about the Rocket Classic.

SPEAKER_02 50:43

Oh, is that not what the no, it's Rocket Experience I was talking about, right?

SPEAKER_00 50:46

Yeah, you're talking about Rocket Experience. We're going to that. So we're gonna be live.

SPEAKER_02 50:49

We need a thousand subs by then. So we need to be live.

SPEAKER_00 50:52

So we can go live at the Rocket Experience.

SPEAKER_02 50:55

Yep. Subscribe. We'll give you an insider scoop if you subscribe.

SPEAKER_00 50:59

But yeah, I was talking about the the Rocket Classic. This is the last one. We gotta go.

SPEAKER_02 51:03

I don't know nothing about that.

SPEAKER_00 51:04

Bro, this is the golf tournament. It's the PJA, PGA tour stop in Detroit. Okay. Um, they've had it the last six or seven years, and uh, and this is gonna be the final one. So I'm gonna make sure I get tickets. I'm gonna I'm gonna beat. Yeah, I'm gonna beat Ned over the head.

SPEAKER_02 51:21

Oh, yeah.

SPEAKER_00 51:22

We can do first and future there.

SPEAKER_02 51:23

We get that on the podcast, and then be like, hey, you're on camera, you're gonna get us tickets, right?

SPEAKER_00 51:29

Uh so yeah, but yeah, that's all I got, man. Like us, like Liam said, man, like and subscribe, comment below uh how many jobs you've had.

SPEAKER_02 51:39

Yeah, let us know what they are too, and then check out Daryl Dibbs.com. Daryl Dibbs.com. Yep. That's it today.